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A home equity loan makes sense if:
Guidelines for home equity loans are usually more stringent than first mortgage cash-out refinance loans. Although the rules will vary from lender to lender, you’ll typically need to meet the following general requirements to qualify:
43% maximum DTI ratio. Lenders divide your total debt by your pretax income to calculate your debt-to-income (DTI) ratio. The standard home equity guideline maximum DTI ratio is 43%.
620 minimum credit score. Although lenders may set the bottom score limit at 620, others may set higher minimums between 660 and 680. If you’re looking for a home equity loan with bad credit, expect a higher rate and more limits on your maximum DTI or LTV ratio.
85% maximum LTV ratio…
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